Personal saving and investment decisions play an important role in financial stability, wealth creation and future financial security. The present study, titled “Analysis of Personal Savings and Investment Habits”, examines the manner in which individuals plan their savings, select investment avenues and assess financial risk. The study focuses on saving amounts and patterns, preferred investment options, reasons for investment, risk capacity and the influence of factors such as age, income, education and occupation. The research framework is designed around primary information collected through a structured questionnaire or Google Form, supported by secondary information from books, articles and financial-literacy sources. The study aims to understand the relationship between income and saving behaviour and to identify the major factors that influence investment decisions. The paper presents the objectives, scope, methodology, analytical framework, key observations, suggestions and conclusion of the study. Since respondent-level numerical data were not included in the available project material, no invented percentages or numerical findings are presented.

Vaishnavi Rajendra Dhas, "Analysis of Personal Savings and Investment Habits" International Journal of Scientific Research and Engineering Development, V9(5): Page(981-984) September - October 2026. ISSN: 2581-7175. www.ijsred.com. Published by Scientific and Academic Research Publishing.